Are you working for your debt, or is your debt working for you? Kris Krohn breaks down the "bipolar" nature of personal finance by pitting traditional saving advice against modern wealth building. Learn why focusing solely on debt elimination might lead to a "guaranteed failure" in retirement and how to use the power of Arbitrage to turn $30,000 into a residual income machine. It is time to stop being "house rich" and start being "cash-flow wealthy."